Legal analysis: Fake divorce is a kind of fraud, which violates the law. The consequences of a successful fake divorce certificate loan are: 1. If the head office randomly checks, once the certificate is found to be forged, even if the loan has been issued, the bank still has the right to request the cancellation of the loan contract between the two parties. At that time, the purchaser should still return the remaining loan and the interest generated. 2. The fake divorce certificate has no registration information and files, and the bank has made a fake divorce certificate loan. During the examination, the bank found that it would be transferred to the public security organ for investigation and confirmed that forged documents would be subject to criminal punishment.

Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender.